Liabilities / Assets
72nd percentile
Higher debt load relative to assets than 72% of similar nonprofits.
Credit Unions Chartered in the State of Michigan
990 • Fiscal year 2017 • EIN 38-0703992
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
45th percentile
Higher debt load relative to revenue than 45% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
66th percentile
Higher top officer pay than 66% of similar nonprofits.
Top officer pay equals 1.8% of source-year revenue.
Asset Growth
75th percentile
Faster asset growth than 75% of similar nonprofits.
Revenue Growth
66th percentile
Faster revenue growth than 66% of similar nonprofits.
Balance Sheet
Assets
Up$523,721,267
Up $44,539,302 (+9.3%) from 2016
Net Assets
Up$48,078,695
Up $4,386,100 (+10%) from 2016
Liabilities
Up$475,642,572
Up $40,153,202 (+9.2%) from 2016
Revenue And Expenses
Revenue
Up$27,746,122
Up $2,542,526 (+10%) from 2016
Expenses
Up$23,405,127
Up $1,369,295 (+6.2%) from 2016
Net Income
Up$4,340,995
Up $1,173,231 (+37%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Nov 13, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $69,535,740
Mission and Program Overview
Mission
The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.
The credit union's operations include holding deposits for and making loans to individuals who work or reside within a specific area and group in the state of michigan.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $360,506,687 | $410,578,081 | ▲ $50,071,394 |
| Rtn Earn Endowment Incm Other Fnds | $43,692,595 | $48,078,695 | ▲ $4,386,100 |
| Savings and Temporary Cash Investments | $44,892,062 | $41,030,980 | ▼ $3,861,082 |
| Investments in Publicly Traded Securities | $26,774,978 | $24,963,827 | ▼ $1,811,151 |
| Land, Buildings, and Equipment, Net | $14,620,765 | $17,326,216 | ▲ $2,705,451 |
| Receivables From Officers Etc | $3,872,047 | $3,852,916 | ▼ $19,131 |
| Investments Other Securities | $3,222,300 | $3,788,800 | ▲ $566,500 |
| Cash and Non-Interest-Bearing Accounts | $3,608,682 | $3,522,706 | ▼ $85,976 |
| Prepaid Expenses and Deferred Charges | $474,291 | $380,106 | ▼ $94,185 |
| Accounts Receivable | $0 | $0 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Investments Program Related | $0 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $479,181,965 | $523,721,267 | ▲ $44,539,302 |
| Other Assets Total | $21,210,153 | $18,277,635 | ▼ $2,932,518 |
| Liabilities | |||
| Other Liabilities | $381,948,534 | $411,959,847 | ▲ $30,011,313 |
| Mortgage Notes Payable Secured by Investment Property | $45,750,000 | $54,750,000 | ▲ $9,000,000 |
| Accounts Payable and Accrued Expenses | $6,036,456 | $6,817,852 | ▲ $781,396 |
| Escrow Account Liability | $1,754,380 | $2,114,873 | ▲ $360,493 |
| Grants Payable | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $435,489,370 | $475,642,572 | ▲ $40,153,202 |
| Net Assets / Fund Balance | |||
| Permanently Rstr Net Assets | $0 | $0 | → $0 |
| Temporarily Rstr Net Assets | $0 | $0 | → $0 |
| Unrestricted Net Assets | $0 | $0 | → $0 |
| Total Net Assets Fund Balance | $43,692,595 | $48,078,695 | ▲ $4,386,100 |
| Total Liabilities and Net Assets / Fund Balance | $479,181,965 | $523,721,267 | ▲ $44,539,302 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $11,094,730 | $2,462,347 | $13,557,077 |
| Equipment | $2,293,040 | $3,130,812 | $5,423,852 |
| Land | $3,476,809 | - | $3,476,809 |
| Other Land Buildings | $461,637 | - | $461,637 |
| Leasehold Improvements | $0 | $127,933 | $127,933 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| - | President/CEO | FT | $296,796 | $191,035 | $487,831 |
| - | VP Commercial & Private Banking | FT | $150,344 | $96,073 | $246,417 |
| - | VP Finance | FT | $145,246 | $72,659 | $217,905 |
| - | Director of Commercial Lending | FT | $75,000 | $118,735 | $193,735 |
| - | VP Operations | FT | $125,003 | $61,794 | $186,797 |
| - | VP Human Resources | FT | $124,203 | $59,466 | $183,669 |
| - | VP Loan Services | FT | $116,090 | $65,885 | $181,975 |
| - | VP Marketing | FT | $111,077 | $64,564 | $175,641 |
Board Members and Trustees
| Name | Title |
|---|---|
| - | Chairman |
| - | Vice-Chairman |
| - | Director |
| - | Director (Partial year) |
| - | Secretary |
| - | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Glas Associates INC | Construction | 6339 STADIUM DR, Kalamazoo, MI 49009 | $2,327,922 |
| Fiserv | Core System Processor | 75 REMITTANCE DRIVE DEPT 1649, Chicago, IL 60197 | $1,498,172 |
| Fis | Credit Card Processor | PO BOX 4535, Carol Stream, IL 60197 | $1,005,045 |
| Vantiv | Debit Card Processor | 8500 GOVERNORS HILL DR, Symmes Township, OH 45249 | $864,221 |
| Signart INC | Signage Design & Installation | 5757 EAST CORK ST, Kalamazoo, MI 49048 | $185,263 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $25,083,300
- Investment Income
- $2,056,470
- Other Revenue
- $606,352
- All Other Contributions
- $0
- Change in Net Assets
- $4,340,995
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $27,746,122
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $27,746,122
- Total Revenue per Form 990
- $27,746,122
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $13,497,182 |
| Salaries, Compensation, and Employee Benefits | $9,883,945 |
| Grants and Similar Amounts Paid | $24,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $5,921,088 |
| Interest | - | - | - | $2,541,414 |
| Other Employee Benefits | - | - | - | $1,523,799 |
| Information Technology | - | - | - | $1,522,710 |
| Current Officers, Directors, Trustees, and Key Employees | $0 | $0 | $0 | $1,395,739 |
| Office Expenses | - | - | - | $1,153,776 |
| All Other Expenses | $0 | $0 | $0 | $1,136,621 |
| Depreciation Depletion | - | - | - | $835,977 |
| Occupancy | - | - | - | $749,452 |
| Advertising | - | - | - | $637,314 |
| Other Expenses | - | - | - | $565,322 |
| Payroll Taxes | - | - | - | $553,746 |
| Pension Plan Contributions | - | - | - | $489,573 |
| Conferences and Meetings | - | - | - | $383,879 |
| Insurance | - | - | - | $126,205 |
| Fees for Services Legal | - | - | - | $90,002 |
| Payments to Affiliates | - | - | - | $50,598 |
| Fees for Services Accounting | - | - | - | $44,540 |
| Grants to Domestic Individuals | - | - | - | $24,000 |
| Travel | - | - | - | $14,119 |
| Total Functional Expenses | $0 | $0 | $0 | $23,405,127 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $23,405,127 |
| Total Expenses per Audited Statements | $23,405,127 |
| Total Expenses per Form 990 | $23,405,127 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Fundraising Direct Expenses | $0 |
| Fundraising Gross Income | $0 |
| Gaming Direct Expenses | $0 |
| Gaming Gross Income | $0 |
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $3,872,047 | $3,852,916 | ▼ $19,131 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares and Savings Accounts | $411,959,847 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Line 1A Delegate broad authority to A committee
“The personnel committee is the same as the full board with different leadership & has the authority to act on behalf of the board.”
Form 990, Part VI, Line 6 Classes of members or stockholders
“Every individual that has an account with the credit union is considered a member.”
Form 990, Part VI, Line 7A Members or stockholders electing members of governing body
“As a credit union, we have a membership that has the authority to vote for the board of directors on an annual basis. We are required to hold an annual meeting, where the membership can vote for the board of directors up for nomination.”
Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders
“The decisions are approved at the annual meeting. They also can review the monthly and year to date financial statements that are required to be posted in the lobby. As for day to day decisions, they do not oversee or approve actions.”
Form 990, Part VI, Line 11B Review of form 990 by governing body
“A copy will be provided for the board of directors to review at a regular scheduled board meeting. Individual copies will not be handed out to each board member.”
Form 990, Part VI, Line 12C Conflict of interest policy
“ALL DIRECTORS AND EMPLOYEES ARE REQUIRED TO SIGN A POLICY STATEMENT ANNUALLY AND TO SUBMIT CHANGES DURING THE YEAR. If there is a conflict of interest with an employee, it is brought up through HR and noted in the file. If there is a conflict of interest with an executive it is noted with both HR and the CEO to be kept in their file, and they would no longer be permitted to sign any contracts.”
Form 990, Part VI, Line 15A Process to establish compensation of top management official
“WE UTILIZE AN OUTSIDE CONSULTANT, AS WELL AS INDUSTRY PUBLICATIONS TO SET THE RANGES OF ALL INDIVIDUALS PAID AT THE CREDIT UNION. ALL SALARY RANGES FOR ALL EMPLOYEES ARE APPROVED BY THE BOARD OF DIRECTORS AT A REGULARLY SCHEDULED MEETING. This meeting was last performed in December 2017. This process is documented in executive committee minutes.”
Form 990, Part VI, Line 15B Process to establish compensation of other employees
“WE UTILIZE AN OUTSIDE CONSULTANT, AS WELL AS INDUSTRY PUBLICATIONS TO SET THE RANGES OF ALL INDIVIDUALS PAID AT THE CREDIT UNION. ALL SALARY RANGES FOR ALL EMPLOYEES ARE APPROVED BY THE BOARD OF DIRECTORS AT A REGULARLY SCHEDULED MEETING. This meeting was last performed in December 2017. This process is documented in executive committee minutes.”
Form 990, Part VI, Line 19 Required documents available to the public
“The credit unions governing documents, conflict of interest policy, and financial statements are made available to the public upon request.”
Form 990, Part VIII, Line 11D Other Miscellaneous Revenue
“Life Insurance Income - Total Revenue: 316043, Related or Exempt Function Revenue: 316043, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”
Filing and Contact Details
Filer
- Filer Name
- Arbor Financial Credit Union
- EIN
- 38-0703992
- Phone
- 2693756702
- Address
- 1551 South 9th Street, Kalamazoo, MI 49009-9327
Signing Officer
- Name
- Earle Shelner II
- Title
- VP - Finance
- Signed
- 2018-11-13
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 1935
- Legal Domicile
- Mi
- Voting Board Members
- 6
- Independent Board Members
- 6
- Employees
- 170
- Volunteers
- 9
Preparer
- Firm
- Crowe Llp
- Address
- 225 West Wacker Drive Suite 2600, Chicago, IL 60606-1224
- Preparer
- Nicole Bencik
- Phone
- 3128997000
Supplemental Narrative
Additional Explanations
Form 990, Part I, Line 1 Description of Organization Mission:
“Work or reside within a specific area and group in the State of Michigan.”
Form 990, Part XII, Line 2C
“There was no change in the oversight process or selection process during the tax year.”
Financial Statement Notes
Schedule D, Part IV, Line 2B Explanation of escrow agreement
“Arbor has an escrow custodial account set up for each of our investors. We are a service-retained organization, which collects the escrow funds, performs escrow analysis, and disburses funds to appropriate tax and/or insurance authorities.”
Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote
“The credit union is exempt, by statute, from federal taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purpose. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. The internal revenue service ("irs") issued a series of technical advise memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2014-2017.”
Raw XML AppendixShowing 400 of 800 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 6036456 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 6817852 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE WITHIN A SPECIFIC AREA AND GROUP IN THE STATE OF MICHIGAN. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 637314 |
| IRS990/AllOtherContributionsAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1136621 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Earle Shelner II |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2695443471 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1551 S 9th Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Kalamazoo |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49009 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3608682 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3522706 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 11 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 1395739 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 383879 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 2327922 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 1498172 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 1005045 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 864221 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 185263 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 6339 STADIUM DR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 75 REMITTANCE DRIVE DEPT 1649 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | PO BOX 4535 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | 8500 GOVERNORS HILL DR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | 5757 EAST CORK ST |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | KALAMAZOO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | CAROL STREAM |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | SYMMES TOWNSHIP |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | KALAMAZOO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 49009 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 60197 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 60197 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 45249 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 49048 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | GLAS ASSOCIATES INC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | FISERV |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | FIS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | VANTIV |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | SIGNART INC |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Construction |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CORE SYSTEM PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | CREDIT CARD PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | DEBIT CARD PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | Signage Design & Installation |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 24000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2056470 |
| IRS990/CYOtherExpensesAmt | 0 | 13497182 |
| IRS990/CYOtherRevenueAmt | 0 | 606352 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 25083300 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 4340995 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 9883945 |
| IRS990/CYTotalExpensesAmt | 0 | 23405127 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 27746122 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 835977 |
| IRS990/Desc | 0 | ALLOWING MEMBERS ACCESS TO CREDIT THROUGH OUR CREDIT CARD PROGRAM. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 170 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 1754380 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 2114873 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 44540 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 90002 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 50.0 |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 0 | David Aubry |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 1 | Richard Cahow |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 2 | Arthur Parker |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 3 | Barbara Winter |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 4 | Kimberly Rohr |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 5 | Jeff Powless |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 6 | Robert Goodwin |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 7 | Julie Blitchok |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 8 | Earle Shelner II |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 9 | Arlene Horton |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 10 | Kenneth Leonard |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 11 | Tamara Phelps |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 12 | Jeffrey Deshane |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 13 | Ryan Reffitt |
| IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt | 14 | Christine E Camp |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 46916 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 44020 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 33013 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 51397 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 34842 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 41635 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 18985 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 41729 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 440915 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 173885 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 150656 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 195020 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 151955 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 140340 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 174750 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 133912 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice-Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director (Partial year) |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP Finance |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP Human Resources |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP Commercial & Private Banking |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP Operations |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP Loan Services |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Director of Commercial Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP Marketing |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/FundraisingDirectExpensesAmt | 0 | 0 |
| IRS990/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 947857 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 67663 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GamingDirectExpensesAmt | 0 | 0 |
| IRS990/GamingGrossIncomeAmt | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 24000 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | true |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 30950420 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 11854718 |
| IRS990/GrossReceiptsAmt | 0 | 69535740 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 0 |
| IRS990/GrossSalesOfInventoryAmt | 0 | 0 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 8 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1522710 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 126205 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 2541414 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1040950 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1040950 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 3222300 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 3788800 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 26774978 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 24963827 |
| IRS990/IRPDocumentCnt | 0 | 12702 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 5721092 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 14620765 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 17326216 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 23047308 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 30002563 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 11787055 |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembershipDuesAmt | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 316043 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 316043 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE WITHIN A SPECIFIC AREA AND GROUP IN THE STATE OF MICHIGAN. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 45750000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 54750000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 43692595 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 48078695 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 1015520 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 1015520 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -64568 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 45105 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 749452 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1153776 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 21210153 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 18277635 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1523799 |
| IRS990/OtherExpensesGrp/Desc | 0 | VISA AND OTHER MASTERCARD EXP |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | ATM EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1258312 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1382240 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1004701 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 565322 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 381948534 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 411959847 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 523930 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISCELLANEOUS INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | WEALTH MANAGEMENT INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | WARRANTY SALES |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 2 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 113475 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 153236 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 42476 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 94597 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 39761 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 42476 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 94597 |
| IRS990/OtherRevenueTotalAmt | 0 | 606352 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5921088 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 360506687 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 410578081 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 50598 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 553746 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $523,721,267
- Liabilities
- $475,642,572
- Net assets
- $48,078,695
- Revenue
- $27,746,122
- Expenses
- $23,405,127
- Net income
- $4,340,995